Secured Tims Mastercard 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Secured Tims Mastercard4.2/5

Tims Financial

Annual fee
CA$0
Rewards rate
12%-1%
Welcome Bonus
CA$20
Apply Now →on Tims Financial's website

  • 12%Points at Tim Hortons
  • 2%Points on gas, groceries, and transit
  • 1%Points on all other purchases

Welcome Bonus:

The Secured Tims Mastercard currently offers a $20 digital Tim Hortons gift card as a welcome bonus after your first purchase.

Reward Rate:

Earn up to 12 points per $1 spent at Tim Hortons and 2 points per $1 on gas, groceries, and transit.

The Secured Tims Mastercard is particularly appealing for Tim Hortons enthusiasts, as it allows users to earn significant rewards while building credit, making it a unique option in the secured card market.

Pros:

  • No annual fee
  • Earn points on everyday purchases

Cons:

  • Requires a security deposit
  • Limited to Tim Hortons for maximum rewards
Apply now →

The Secured Tims Mastercard may be suitable for individuals looking to build or rebuild their credit while earning rewards, particularly those who frequently patronize Tim Hortons. With no annual fee and a straightforward rewards program, it offers a practical option for consumers who prioritize both credit improvement and loyalty benefits.

Frequently Asked Questions

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